Get instantly approved after verifying your identity.
No bank account, credit card or credit score needed.
Receive funds from our loan to kick off your payment history.
We’ll deposit your cash ($12) instantly.
Pay back $1 each month to demonstrate your credit.
With just one click each month, you’ll be building credit.
Lenders want to know that you’ll be responsible with money. That’s why payment history makes up 35% of every credit score. We’ll help you build a record of on-time payments to show the credit bureaus.
If you’re new to credit, expect to see a 600+ score within 30 days of getting started with Kikoff.
At Kikoff, we believe that everyone should have the opportunity to own their financial future. We’ve seen people get burned all-too-often by credit cards when trying to establish credit which is why we’ve created a way to build credit in an environment free from surprises, hidden fees, and interest rates. To make sure Kikoff will actually be accessible to anyone and everyone, we’ve made our service free.
We saw it happening too often — friends and family being rejected for apartments and car loans, and overpaying on mortgage interest payments. Though they had a job and an income, they waited too long to start building credit.
Today, your financial health is like your medical health. You get it from your parents, both the good and the bad. With a combined twenty years of financial technology experience at some of the most well-known names, our founders made it their mission to democratize access to financial services. Whether you're completely new to credit or still finding your groove, who you are is enough to get started.
